We did a Dave Ramsey FPU through my work last Spring and one of the objects of class is to get your credit report and check for errors. However, I get my annual one in August so had to wait to do so. Turns out I, like so many others, had errors on mine. None of them were what I consider to be Major Issues. There was at least one closed credit account on each that still showed open (one actually had four) so I've disputed those . . . which I should have done several years ago when I first closed the accounts and knew that they were still showing open. But I was lazy. Now I've put effort into action. However, I also had another error. In each case they had a wrong name attached to my report. When I got married, I dropped my parental given middle name and legally made my maiden name my middle name. Each of the credit bureaus shows my maiden name, my married name, and the erroneous first middle new last name. Two of them let me dispute that online as well - the third is making me call it in. I'm not sure if this is or could be an issue, however, if I'm going to all the trouble to have things made correct, I should follow up here as well.
The nice thing about all of this is that you can now dispute most of it online without mailing in paperwork or calling people. However, until the investigations are complete and I see the results, I'll hold judgment on whether or not this actually works. (In other words, I may still find myself going the paper route if I'm not satisfied with the results.)
It feels really good to have marked something off the to-do list this week. I should do this more often!